Credit
cards and their zero percent interest offers are indeed very tempting. Some
people may also find it hard to forego these offers with the thought that they
are passing up on an opportunity to save.

But every
credit card holder should know –that there is no such thing as zero percent interest
rates. Whenever you are considering zero percent interest offers, always ask
for the amount of the item if you are going to pay it on cash. You will notice
that cash payers always get a discount. That discount is actually the interest
they charged in card payments. The only convenience about zero percent is that one
can stretch the loan to the maximum period allowed and there will be no additional
charges.

But there
is a way to enjoy real zero percent interest rate. Just purchase the desired
item after your cut-off date then pay in card but choose straight payments
instead of an installment basis. You get to have credit card points, avail the
cash discount, and you get to pay the item after two months.